.lf-page{--lf-navy: #00529b;--lf-navy-deep: #001f44;--lf-gold: #e0c110;--lf-gold-soft: #fbdf9c;--lf-tint: #f4f8fc;--lf-ink: #333;--lf-ink-soft: #555;--lf-rule: rgba(0, 0, 0, .1);--lf-shadow: 0 2px 8px rgba(0, 0, 0, .1);--lf-r: 8px;--lf-r-sm: 6px;--lf-col: 1040px;background:#fff;color:var(--lf-ink, #333);font-family:var(--secondary-font, inherit);display:flow-root}.lf-page [id],.lf-page a,.lf-page button,.lf-page input{scroll-margin-top:96px}.lf-page p{line-height:1.65}.lf-page section:focus{outline:none}.lf-col{max-width:var(--lf-col, 1040px);margin:0 auto;padding:0 1.25rem}.lf-band{padding:4rem 0;background:#fff}.lf-band--tint{background:var(--lf-tint, #f4f8fc);border-top:1px solid var(--lf-rule, rgba(0, 0, 0, .1));border-bottom:1px solid var(--lf-rule, rgba(0, 0, 0, .1))}.lf-eyebrow{margin:0;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;font-weight:600;color:var(--lf-navy, #00529b)}.lf-title{margin:.4rem 0 0;font-family:var(--primary-font, inherit);font-size:clamp(2.1rem,4.6vw,3.1rem);line-height:1.1;font-weight:600;color:var(--lf-navy-deep, #001f44)}.lf-title:after{content:"";display:block;width:64px;height:3px;background:var(--lf-gold, #e0c110);margin-top:1rem}.lf-lead{margin:1.5rem 0 0;font-size:1.05rem;font-weight:600;color:var(--lf-navy-deep, #001f44);line-height:1.4}.lf-tools{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.75rem;margin:1rem 0 0;padding:0;list-style:none}.lf-tools>li{display:flex}.lf-intro-note{max-width:62ch;margin:1.25rem 0 0;font-size:.95rem;line-height:1.55;color:var(--lf-ink-soft, #555)}.lf-tool-btn{display:flex;align-items:center;gap:.6rem;width:100%;min-height:56px;padding:.6rem .85rem;border-radius:var(--lf-r, 8px);background:#fff;border:1px solid var(--lf-navy, #00529b);box-shadow:var(--lf-shadow, 0 2px 8px rgba(0, 0, 0, .1));color:var(--lf-navy-deep, #001f44);font-size:.95rem;font-weight:600;text-decoration:none;transition:background .18s ease,border-color .18s ease,box-shadow .18s ease}.lf-tool-icon{flex:0 0 auto;width:22px;height:22px;color:var(--lf-navy, #00529b)}.lf-tool-label{flex:1 1 auto;min-width:0;overflow-wrap:break-word}.lf-tool-arrow{flex:0 0 auto;width:18px;height:18px;color:var(--lf-navy, #00529b)}.lf-tool-btn:hover{background:var(--lf-tint, #f4f8fc);border-color:var(--lf-navy-deep, #001f44);box-shadow:0 4px 12px #00000024}.lf-tool-btn:focus-visible{outline:3px solid var(--lf-navy, #00529b);outline-offset:2px}.lf-section-head{display:flex;align-items:flex-start;gap:.9rem;margin-bottom:2rem}.lf-section-icon{width:22px;height:22px;flex-shrink:0;margin-top:.2rem;color:var(--lf-navy, #00529b)}.lf-section-title{margin:0 0 .35rem;font-family:var(--primary-font, inherit);font-size:clamp(1.6rem,3vw,2.1rem);line-height:1.2;color:var(--lf-navy-deep, #001f44)}.lf-section-sub{margin:0;font-size:.98rem;color:var(--lf-ink-soft, #555)}.lf-band--tint>.lf-col>.lf-section-title{margin-bottom:1.5rem}.lf-grid-2{display:grid;grid-template-columns:minmax(0,42fr) minmax(0,58fr);grid-template-rows:auto 1fr;column-gap:3rem;row-gap:1.75rem;align-items:start}.lf-grid-2>.lf-inputs{grid-column:1;grid-row:1}.lf-grid-2>.lf-explain{grid-column:1;grid-row:2}.lf-grid-2>.lf-answer{grid-column:2;grid-row:1 / span 2}.lf-inputs{display:flex;flex-direction:column;gap:1.75rem;min-width:0}.lf-fieldset{display:flex;flex-direction:column;gap:1.75rem;margin:0;padding:0;border:0;min-width:0}.lf-field{min-width:0}.lf-label{display:block;color:var(--lf-navy-deep, #001f44);font-weight:700;font-size:.95rem;margin:0 0 .4rem}.lf-input-wrap{display:flex;align-items:stretch;gap:.5rem;min-height:48px;background:#fff;border:1px solid rgba(0,82,155,.75);border-radius:var(--lf-r-sm, 6px);padding:0 .75rem;transition:border-color .18s ease,box-shadow .18s ease}.lf-input-wrap:focus-within{border-color:var(--lf-navy, #00529b);outline:3px solid var(--lf-navy, #00529b);outline-offset:2px}.lf-input-wrap span{align-self:center;color:var(--lf-ink-soft, #555);font-weight:700;white-space:nowrap}.lf-input-wrap input{width:100%;min-height:46px;border:none;outline:none;padding:0;font:inherit;color:var(--lf-ink, #333);background:transparent;min-width:0}.lf-input-wrap input::placeholder{color:#6b6b6b}.lf-helper{margin:.4rem 0 0;font-size:.88rem;line-height:1.5;color:var(--lf-ink-soft, #555)}.lf-two-column-inputs{display:grid;grid-template-columns:1fr;gap:1.5rem}.lf-rate-input-wrap{display:inline-flex;align-items:stretch;gap:.35rem;width:8rem;max-width:100%;min-height:48px;background:#fff;border:1px solid rgba(0,82,155,.75);border-radius:var(--lf-r-sm, 6px);padding:0 .75rem}.lf-rate-input-wrap:focus-within{border-color:var(--lf-navy, #00529b);outline:3px solid var(--lf-navy, #00529b);outline-offset:2px}.lf-rate-input-wrap input{width:100%;min-width:0;min-height:46px;border:none;outline:none;padding:0;font:inherit;color:var(--lf-ink, #333);background:transparent}.lf-rate-input-wrap span{align-self:center;color:var(--lf-ink-soft, #555);font-weight:700;white-space:nowrap}.lf-rate-error{margin:.5rem 0 0;color:#b00020;font-size:.85rem;line-height:1.4;max-width:30ch}.lf-answer{border:1px solid var(--lf-rule, rgba(0, 0, 0, .1));border-radius:var(--lf-r, 8px);box-shadow:var(--lf-shadow, 0 2px 8px rgba(0, 0, 0, .1));overflow:hidden;min-width:0}.lf-band--tint .lf-answer{background:#fff}.lf-band:not(.lf-band--tint) .lf-answer{background:var(--lf-tint, #f4f8fc)}.lf-answer-head{padding:1.5rem;background:var(--lf-navy-deep, #001f44);color:#fff}.lf-answer-label{margin:0 0 .35rem;font-size:.9rem;opacity:.9}.lf-answer-figure{margin:0;font-family:var(--primary-font, inherit);font-size:clamp(1.8rem,3vw,2.4rem);font-weight:700;line-height:1.15;font-variant-numeric:tabular-nums;overflow-wrap:break-word}.lf-answer-empty,.lf-answer-floor-note{margin:.75rem 0 0;font-size:.9rem;opacity:.9}.lf-answer-body{padding:1.5rem}.lf-small-note{color:var(--lf-ink-soft, #555);font-size:.88rem;line-height:1.5;margin:1rem 0 0}.lf-breakdown{min-width:0}.lf-breakdown-title{color:var(--lf-navy-deep, #001f44);font-weight:700;margin:0 0 .5rem;font-size:.95rem}.lf-breakdown-table-wrap{width:100%;max-width:100%;overflow-x:auto;border-radius:var(--lf-r, 8px);border:1px solid var(--lf-rule, rgba(0, 0, 0, .1));background:#fff;min-width:0}.lf-breakdown-table{width:100%;border-collapse:collapse;table-layout:auto;font-size:.88rem}.lf-breakdown-table th,.lf-breakdown-table td{padding:.65rem .75rem;text-align:left;border-bottom:1px solid var(--lf-rule, rgba(0, 0, 0, .1));vertical-align:top}.lf-breakdown-table th{background:var(--lf-tint, #f4f8fc);color:var(--lf-navy-deep, #001f44);font-weight:700;white-space:nowrap}.lf-breakdown-table td[data-label=Amount],.lf-breakdown-table td[data-label=Subtotal]{white-space:nowrap}.lf-breakdown-table tr:last-child td{border-bottom:none}.lf-explain{border:1px solid var(--lf-rule, rgba(0, 0, 0, .1));border-radius:var(--lf-r, 8px);padding:1rem 1.1rem;background:var(--lf-tint, #f4f8fc)}.lf-band--tint .lf-explain{background:#fff}.lf-explain-heading{margin:0 0 .4rem;font-family:var(--secondary-font, inherit);font-size:1rem;font-weight:600;color:var(--lf-navy-deep, #001f44)}.lf-explain p{margin:0;color:var(--lf-ink-soft, #555);font-size:.95rem;line-height:1.55}.lf-summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(9.5rem,1fr));gap:.75rem;min-width:0}.lf-summary-item{background:#fff;border:1px solid var(--lf-rule, rgba(0, 0, 0, .1));border-radius:var(--lf-r, 8px);padding:.85rem;min-width:0}.lf-summary-item span{display:block;color:var(--lf-ink-soft, #555);font-size:.85rem;margin-bottom:.3rem}.lf-summary-item strong{display:block;color:var(--lf-navy-deep, #001f44);font-size:1rem;white-space:nowrap}.lf-notes-list{max-width:72ch;margin:0;padding-left:1.3rem}.lf-notes-list li{margin-bottom:.6rem;line-height:1.65;color:var(--lf-ink, #333)}.lf-notes-list li::marker{font-weight:700;color:var(--lf-navy, #00529b)}.lf-disclaimer{background:var(--lf-tint, #f4f8fc);border-left:4px solid var(--lf-navy-deep, #001f44);border-radius:0 var(--lf-r, 8px) var(--lf-r, 8px) 0;padding:1.25rem 1.5rem;margin:0 0 2rem}.lf-disclaimer h2{font-family:var(--primary-font, inherit);color:var(--lf-navy-deep, #001f44);font-size:1.4rem;font-weight:600;margin:0 0 .5rem}.lf-disclaimer p{margin:0;line-height:1.6;color:var(--lf-ink, #333)}.lf-related{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:1rem}.lf-related-card{display:flex;flex-direction:column;gap:.5rem;padding:1.1rem 1.2rem;border:1px solid var(--lf-rule, rgba(0, 0, 0, .1));border-radius:var(--lf-r, 8px);background:#fff;color:var(--lf-ink, #333);text-decoration:none;transition:background .18s ease,border-color .18s ease}.lf-related-card:hover{background:var(--lf-tint, #f4f8fc);border-color:#00529b80}.lf-related-card:focus-visible{outline:3px solid var(--lf-navy, #00529b);outline-offset:2px}.lf-related-title{margin:0;font-family:var(--primary-font, inherit);font-size:1.1rem;line-height:1.25;color:var(--lf-navy-deep, #001f44);overflow-wrap:break-word}.lf-related-desc{margin:0;font-size:.92rem;line-height:1.5;color:var(--lf-ink-soft, #555);overflow-wrap:break-word}.lf-related-cta{margin-top:auto;padding-top:.35rem;font-size:.9rem;font-weight:600;color:var(--lf-navy, #00529b)}.lf-cta-band{background:var(--lf-navy-deep, #001f44);color:#fff;padding:3.5rem 0}.lf-cta-heading{margin:0;font-family:var(--primary-font, inherit);font-size:clamp(1.6rem,3vw,2.1rem);line-height:1.2;color:#fff}.lf-cta-text{margin:.75rem 0 0;max-width:60ch;color:#fff}.lf-btn-gold{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;margin-top:1.5rem;padding:.85rem 1.6rem;border:0;border-radius:var(--lf-r-sm, 6px);background:var(--lf-gold, #e0c110);color:var(--lf-navy-deep, #001f44);font-family:var(--secondary-font, inherit);font-size:1rem;font-weight:700;line-height:1.2;cursor:pointer;text-decoration:none;transition:background .18s ease,color .18s ease}.lf-btn-gold:hover{background:var(--lf-gold-soft, #fbdf9c);color:var(--lf-navy-deep, #001f44)}.lf-btn-gold:focus-visible{outline:3px solid #fff;outline-offset:2px}@media (min-width: 860px){.lf-two-column-inputs{grid-template-columns:repeat(2,minmax(0,1fr))}.lf-breakdown-table th[scope=col]:nth-child(2),.lf-breakdown-table th[scope=col]:nth-child(4),.lf-breakdown-table td[data-label=Amount],.lf-breakdown-table td[data-label=Subtotal]{text-align:right}}@media (max-width: 859.98px){.lf-tools{grid-template-columns:repeat(2,minmax(0,1fr))}.lf-grid-2{grid-template-columns:1fr;grid-template-rows:none;gap:2rem}.lf-grid-2>.lf-inputs,.lf-grid-2>.lf-answer,.lf-grid-2>.lf-explain{grid-column:auto;grid-row:auto}.lf-breakdown-table,.lf-breakdown-table thead,.lf-breakdown-table tbody,.lf-breakdown-table th,.lf-breakdown-table td,.lf-breakdown-table tr{display:block}.lf-breakdown-table thead{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}.lf-breakdown-table tr{padding:.75rem;border-bottom:1px solid var(--lf-rule, rgba(0, 0, 0, .1))}.lf-breakdown-table tr:last-child{border-bottom:none}.lf-breakdown-table td{width:100%;display:grid;grid-template-columns:minmax(7rem,40%) minmax(0,1fr);gap:.75rem;align-items:start;padding:.4rem 0;border-bottom:none;text-align:right}.lf-breakdown-table td:before{content:attr(data-label);font-weight:700;color:var(--lf-navy-deep, #001f44);text-align:left}.lf-breakdown-table td[data-label=Amount],.lf-breakdown-table td[data-label=Subtotal]{white-space:normal}}@media (max-width: 620px){.lf-band,.lf-cta-band{padding:2.5rem 0}}@media (max-width: 480px){.lf-tools{grid-template-columns:1fr}.lf-btn-gold{width:100%}}@media (prefers-reduced-motion: reduce){.lf-page *,.lf-page *:before,.lf-page *:after{transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}